Banco Internacional del Peru - Interbank (LIM:INTERBC1) Cyclically Adjusted PS Ratio: 2.47 (As of Jul. 03, 2026) — 28% Below Median


LIM:INTERBC1 Banco Internacional del Peru - Interbank LIM:INTERBC1
39 GF Score
Price S/.1.80
GF Value S/.1.72
Valuation Fairly Valued
! 4 Warning Signs
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What is Banco Internacional del Peru - Interbank Cyclically Adjusted PS Ratio?

Banco Internacional del Peru - Interbank LIM:INTERBC1 -6.74% 39 Cyclically Adjusted PS Ratio is 2.47 as of Jul. 03, 2026, which is 28% below its 10-year median of 3.44. GuruFocus rates LIM:INTERBC1 with a GF Score™ of 39/100 and a GF Value™ of S/.1.72 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,303 Banks companies, Banco Internacional del Peru - Interbank ranks better than 64.24% on this metric.

As of today (2026-07-03), Banco Internacional del Peru - Interbank's current share price is S/.1.80. Banco Internacional del Peru - Interbank's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 was S/.0.73. Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio for today is 2.47.

The historical rank and industry rank for Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio or its related term are showing as below:

LIM:INTERBC1' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 1.87   Med: 3.44   Max: 6.05
Current: 2.64

During the past 13 years, Banco Internacional del Peru - Interbank's highest Cyclically Adjusted PS Ratio was 6.05. The lowest was 1.87. And the median was 3.44.

LIM:INTERBC1's Cyclically Adjusted PS Ratio is ranked better than
64.24% of 1303 companies
in the Banks industry
Industry Median: 3.3 vs LIM:INTERBC1: 2.64

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Banco Internacional del Peru - Interbank's adjusted revenue per share data of for the fiscal year that ended in Dec25 was S/.0.777. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is S/.0.73 for the trailing ten years ended in Dec25.

Shiller PE for Stocks: The True Measure of Stock Valuation


Banco Internacional del Peru - Interbank  (LIM:INTERBC1) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Banco Internacional del Peru - Interbank Cyclically Adjusted PS Ratio Related Terms


Banco Internacional del Peru - Interbank Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco Internacional del Peru - Interbank Cyclically Adjusted PS Ratio Chart

Banco Internacional del Peru - Interbank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.44 3.23 2.05 1.98 2.05

Banco Internacional del Peru - Interbank Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.44 3.23 2.05 1.98 2.05

LIM:INTERBC1 vs PNC, USB: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Banco Internacional del Peru - Interbank Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio falls into.


LIM:INTERBC1
39GF Score
Banco Internacional del Peru - Interbank LIM:INTERBC1
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Internacional del Peru - Interbank Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=1.80/0.73
=2.47

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco Internacional del Peru - Interbank's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Banco Internacional del Peru - Interbank's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=0.777/324.0540*324.0540
=0.777

Current CPI (Dec25) = 324.0540.

Banco Internacional del Peru - Interbank Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 0.577 241.432 0.774
201712 0.595 246.524 0.782
201812 0.534 251.233 0.689
201912 0.599 256.974 0.755
202012 0.564 260.474 0.702
202112 0.556 278.802 0.646
202212 0.641 296.797 0.700
202312 0.706 306.746 0.746
202412 0.725 315.605 0.744
202512 0.777 324.054 0.777

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

What does a Cyclically Adjusted PS Ratio of 2.47 mean?
Banco Internacional del Peru - Interbank (LIM:INTERBC1) has a Cyclically Adjusted PS Ratio of 2.47 as of Jul. 03, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Banco Internacional del Peru - Interbank and its competitors. This is 28% below median its historical median of 3.44. Over the past decade, Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio has ranged from 1.87 to 6.05. According to the industry distribution chart, Banco Internacional del Peru - Interbank ranks #466 out of 1303 companies in the Banks industry, placing it in the top 35.8%.
Is Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio too high?
Banco Internacional del Peru - Interbank's current Cyclically Adjusted PS Ratio of 2.47 is 28% below median its 10-year median of 3.44. Over the past 10 years, this metric has ranged from a low of 1.87 to a high of 6.05. The Banks industry median Cyclically Adjusted PS Ratio is 3.30. Banco Internacional del Peru - Interbank's value of 2.47 is 25.2% below this industry median. Based on the distribution chart, Banco Internacional del Peru - Interbank ranks #466 out of 1303 companies in the Banks industry, which is above the industry midpoint. Overall, Banco Internacional del Peru - Interbank has a GF Score™ of 39/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional del Peru - Interbank's Cyclically Adjusted PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Banco Internacional del Peru - Interbank ranks #466 out of 1303 companies for Cyclically Adjusted PS Ratio. This puts Banco Internacional del Peru - Interbank in the upper half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.30. Banco Internacional del Peru - Interbank's value of 2.47 is 25.2% below this benchmark. Historically, Banco Internacional del Peru - Interbank's own Cyclically Adjusted PS Ratio has ranged from 1.87 to 6.05 over the past decade. While the company's 10-year median is 3.44 vs. the industry median of 3.30, Banco Internacional del Peru - Interbank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.30, based on 1,303 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Internacional del Peru - Interbank's current Cyclically Adjusted PS Ratio of 2.47 is 25.2% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Banco Internacional del Peru - Interbank and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Internacional del Peru - Interbank's current Cyclically Adjusted PS Ratio is 2.47, which is 28% below median its own 10-year median of 3.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional del Peru - Interbank stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank (LIM:INTERBC1) is currently considered Fairly Valued. The stock's GF Value™ is S/.1.72, compared to a current price of S/.1.80 — trading 4.7% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 2.47, which is 28% below median its 10-year median of 3.44 and 25.2% below the Banks industry median of 3.30. Banco Internacional del Peru - Interbank's overall GF Score™ is 39/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Banco Internacional del Peru - Interbank (LIM:INTERBC1), the current Cyclically Adjusted PS Ratio is 2.47 as of Jul. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banco Internacional del Peru - Interbank (LIM:INTERBC1) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Internacional del Peru - Interbank stock appears to be overvalued. The current stock price of S/.1.80 is trading 4.7% above its estimated GF Value™ of S/.1.72. GuruFocus considers Banco Internacional del Peru - Interbank to be Fairly Valued.

Key valuation signals for LIM:INTERBC1:

  • Cyclically Adjusted PS Ratio: 2.47 (28% below median its 10-year median of 3.44)
  • GF Value™: S/.1.72 vs. price of S/.1.80 (4.7% above fair value)
  • GF Score™: 39/100 with 4 warning signs
  • Industry Position: 25.2% below the Banks median (#466 of 1303)

No single metric tells the full story. See the LIM:INTERBC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco Internacional del Peru - Interbank Business Description

Address Avenida Carlos Villaran Number 140, Urb Santa Catalina, La Victoria, Lima, PER
Banco Internacional del Peru - Interbank provides banking and related financial services. The company performs all banking functions with its main business being attracting money and lending to companies and individuals. Its products inlcude credits cars, debit cards, savings accounts, salary account, personal loan, vehicle credit, mortgages, investment funds and deposit, interbank insurance, sending and receiving money, pay bills and currency exchange.
39GF Score

Get the complete analysis for LIM:INTERBC1

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

S/.1.80
Price
S/.1.72
GF Value